Injured in a Motor Vehicle Collision? Understand Your Benefits Under Minnesota Law

What Do I Do When I Get In A Car Accident?

If you are injured in a motor vehicle collision, under Minnesota law you are entitled to receive the following benefits.

1. 1. NO-FAULT INSURANCE BENEFITS: Whether you are at fault or not, you are entitled to receive two types of benefits:
2. Medical Payments (to pay your medical and chiropractic bills) up to $20,000 (or more, if you carried more than the minimum insurance coverage.)
3. Wage loss reimbursement and/or Replacement Services/Homemaker reimbursement, up to $20,000 (or more, if you carried more than the minimum insurance coverage).

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For Wage Loss reimbursement, you are entitled to receive 85% of your actual wage loss, subject to a maximum of $500 per week.

Replacement Services/homemaker reimbursement is to reimburse you for expense that you have incurred for either hiring someone else to do work that you would have done if you had not been injured or homemaker reimbursement is for reimbursement for work you are no longer able to complete around the house such as house-cleaning, snow removal, etc. For replacement services/homemaker reimbursement, you are entitled to receive a maximum of $200.00 per week.

*The results are conditioned to the unique circumstances of each case. These results do not guarantee your case will result in the same compensation.

Settlement

$2.2M

Truck Driver

Settlement

$53M

Insurance Fraud

Settlement

$1.5M

Sexual Assault

Settlement

$220K

Insurance Fraud

Settlement

$600K

Product Liability

Settlement

$2.4M

Wrongful Death

free case consultation call us: 952.473.4530

Note:  Even if you had no insurance at the time of the accident, you may be able to qualify for insurance coverage under the Minnesota Assigned Claims procedure.  If you did not have insurance at the time of your accident, you should consult an attorney to see if you might qualify for this type of insurance coverage.

2. LIABILITY CLAIMS: If the other driver (or the driver with whom you were riding as a passenger) was at fault in causing the accident, you may make a claim to collect money damages from the “At-Fault” driver.  If you were riding as a passenger, you may collect 100% of your damages, other than those paid by No- Fault insurance.  If you were a driver, you may collect a percentage of your damages equal to the “at-fault” driver’s percentage of fault.  (I.e. if the “At-Fault” driver was 80% at fault and you were 20% at fault, you may collect 80% of your damages.)
3. UNINSURED MOTORIST (UM) COVERAGE: If the “At-Fault” driver had no insurance, you may collect UM benefits from you own insurance company in an amount equal to the amount you could have collected from the “At-Fault” driver’s insurance company (up to the amount of UM coverage that you had on your policy).  UM coverage is required by law and must be included in the coverage on every automobile insurance policy issued in the State of Minnesota.
4. UNDERINSURED MOTORIST (UIM) COVERAGE: If the “At-Fault” driver had insurance, but did not have enough to fully compensate you for your injuries, you may collect UIM benefits from you own insurance company in an amount equal to the amount you could have collected from the “at-fault” driver’s insurance company if that driver had had more coverage (up to the amount of UIM coverage that you had on your policy). UIM coverage is required by law and must be included in the coverage on every automobile insurance policy issued in the State of Minnesota.

It is very important to know that, if you settle with the “At-Fault” driver or that driver’s insurance company without properly protecting your rights to pursue the UIM, you may lose your right to collect UIM coverage.  For that reason, it is very important to consult an attorney at Schmidt & Salita Law Team before making any settlement with any of the involved insurance companies.

5. WORKER’S COMPENSATION BENEFITS: If you are injured while on the job, you may have the right to collect both Workers’ Compensation benefits and the other benefits that you normally could collect (including some No-Fault benefits and Liability compensation from the “At-Fault” driver.

Note:  There may be other benefits to which you may be entitled if you have been injured in a car accident, such as welfare claims.

Client Reviews

What Our Clients Are Saying About Us

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Google Review

Schmidt Law Firm is so much more than the usual out for their back pocket firm they are a group of truly caring people. I was hit by a car & have memory loss. I don’t know how many times they all had to go over and over the same thing with me. They even gave me reminder calls for my doctors appointments. When things were so overwhelming I would call and all I could do is cry and they listened and never once complained or cut me short. Doug and Vanessa were all very helpful so was the rest of the staff. God Bless them all. By the way they got me a lot more than I had hoped for. You really don’t want to be on the opposing side of the table of Doug, he will rip you before you know he did it and he does it in such a nice way.

Amy Cassidy

a month ago

Josh was awesome! He’s a very down to earth guy and very helpful when I was struggling with the pain from my injury and all the stress that comes with dealing with work comp. Also, his legal assistant Lori is amazing! She was so genuine and always listened to what I had to say. I highly recommend this law firm!

Mary Davis

6 months ago

I have nothing but a great experience with this law firm. Dealing with an accident on top of injuries can be extremely stressful. When choosing representation you want a team with exceptional experience and knowledge. I have personally worked with Joshua Laabs for many years. He’s very polite and professional, and cares about the person beyond just the case. He cares not only about your injuries but that you are properly represented and treated medically. He cares beyond numbers about his clients. He works diligently and hard for the best outcome for his clients. This is the type of person and firm you want representing you in your personal injury case.

Tim Ginn

a year ago

Doug Schmidt is an ultimate professional and legal counselor who not only helped me in the intense and overwhelming legal matters of my personal injury case , but took a sincere personal interest in me and what I was going through medically to get the best possible outcomes for my healing. One of the many things he is quite knowledgeable about are concussions, even giving lectures to other chiropractors and health care professionals on this important misunderstood topic. Shortly after our first discussion, he wanted me to get further testing in regards to a possible concussion as part of the aftermath of my car accident. I know I would have overlooked this very important outcome had it not been for Doug and his kind and caring concern. I am still dealing with post concussion symptoms, but Doug is the one who steered me in the right direction for further help and healing. He goes above and beyond what most “typical” attorneys would do. Doug is anything but “typical”. I am so impressed with his integrity, knowledge, skillfulness, and kindness as a person and an attorney, that I couldn’t be happier than to highly recommend him for any personal injury case! He is amazing! I feel very fortunate to have him on “my side”. Thank you, Doug! Karen Ginn

Sarah Nordby

2 years ago

I was involved in a car accident that left me in debilitating pain. I can’t even begin to explain everything I’ve been through the past five years, or how it has changed my life. I will tell you that I wouldn’t have gotten through it without Dean and Caitlin. Dean walked me through the entire process from start to finish. I didn’t have to do anything except focus on getting better. Caitlin was always a quick email or phone call away. She worked tirelessly to go after the insurance company when they wouldn’t pay my medical bills. It was like having my own assistant. I literally didn’t have to talk to any of these people. She did everything for me. In the end, all my medical bills were paid and I ended up with a nice settlement that I feel was well deserved after everything I’ve been through. If you are looking for good representation. I highly recommend Schmidt & Salita Law Team. An experienced group that will fight to get you what you deserve.

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